Kana Iwe Unoda Kuchengetedza uye Uchitsvaga Mari Yakawanda, Dzidza Kuzvipa Iwe Pakutanga
Pamusoro pehutano hwemari nemari yekugadzira mari yakambove yakagadzirwa, imwe yei inomira pamusoro pevamwe maererano nekuita kuti zvive nyore kuchengetedza mari , uye iyo ndiyo nzira inozivikanwa sokuzvipa iwe wekutanga. Kunyange zvazvo zvinonzwika zvakajeka zvikuru kushanda, zvichida kunyange kutongesa, kubhadhara iwe nzira yakaratidza midzi muhutano hwehutano uye inogona kuita kusiyana kwakasiyana-siyana muhuwandu hwekodzero yakakosha iwe unozviwanira iwe nemhuri yako sezvo mari yakawanda mari inokurumidza kuwedzera mumari iwe unogona kushandisa kuisa mumatokari , kuisa muzvisungo , kuvaka podfolio ye index index , kana kutotanga kuunganidza mari inogadzira zvivako zveimba .
Izvo iwe uripi wekutanga unyanzvi zvose asi kushanda nesimba kushanda, kazhinji hazvibhadha chinhu, uye iwe unogona kuutanga nekunyoresa kuronga.
Chii Chiri Kuzvipa Iwe Nzira Yokutanga Yokuchengetedza Mari?
Zvichengetere iwe kutanga unoda iwe kurapa mari yako yekugadzira kana kuisa mabhuku sezvikwereti zvinofanira kubhadharwa kusati kupi kweimwe yemamwe mabhiriro ako anogona kubhadharwa. Munzvimbo dzakanakisisa dzakagadzirirwa, mari yacho inotamiswa pakarepo, saka haifaniri kutonga, yakachengetwa pamusika, zvakadai sokunyora mu 401 (k) chirongwa , kana kuti yakabviswa kubva pabhangi yako yebhangi. Zvichienderana nehuwandu hwepurogiramu yawakasika, mari yacho inogona kubhadharwa nemari, zvichida mubhuku rekuchengetedza , kana kushandiswa kukura iwe pfuma yezvinhu zvinowedzera mari .
Sei Uchibhadhara Iwe Nzira Yokutanga Yokuchengetedza Mari Mushandi?
Zvipire iwe kutanga kunobva pakuti mari, semvura, inowedzera kuzadza chigadziko chainoiswa.
Kana iwe uine chinangwa chezvinangwa zvemari zvehupenyu hwako uye iwe wakafanana nemamiriyoni eAmerica, zvichida unosvika kumagumo emwedzi mumwe woga wozviwana waputsika. Iwe unopika kuti mwedzi wakatevera uchave wakasiyana asi hauna kumboitika, kunyange iwe paunowana nguva yakawanda pabasa, uchatora basa rakawedzerwa, kana kuti uwane rumwe rudzi rwemhepo.
Hazvina mhosva kuti mari yakawanda yakawira sei mumari yako, haifaniri kunge yakanamatira kusvika kwenguva refu.
Nezvishoma zvisiri izvo, zvakadai sekukurumidza kwemuviri, kufanana kunogona kuwanikwa mumabhuku ekudzidzira. Sezvo Shakespeare's Cassius akachema kune shamwari yake, "Mhosva, hama yaBrutus, haisi munyeredzi dzedu, asi matiri ..."
Vanhu vane chimiro chekugadzirisa mamiriro ezvinhu neinoshamisa. Uyezve, isu tinoshushikana mupfungwa nekuvapo kwezvimwe zvinhu kana mafungiro emagariro sekungoshamwaridzana (semuenzaniso, enda kumafirimu, iwe unoda Coke nemamwe mapikonti). Dzimwe nzira dzekuchinja dzinoita saiyo dzinoshandiswa neOvereaters Anonymous - "Kubva pakuona, kunze kwepfungwa." - shandisa zvinyorwa izvi. Unofunga kuti usapotsa zvausingaoni kuitira kuti mhinduro yevamwe vanhu ibvise chiedzo zvachose pane kudzidza kudzikunda.
Chii Chingazvibhadhara Iwe Nzira Yokutanga Yokuchengetedza Mari Tarisa Sezvakaita Nyika Yechokwadi?
Imwe muenzaniso wekubhadhara iwe wekutanga nzira yekunyora kugovera chikamu chekugadzirisa zvekugoverwa, kana DRIP , uye kuva nemari yakabviswa kubva pakubvunzurudza kana kukonzerwa kwekombiji yako kamwe chete mwedzi kutenga mamwe mavhosi edimbu yako yebhuruti chip chip , apo uinewo mari inowanikwa kudzorerwazve zvisiri nyore pasina iwe unombovaona.
Zvirongwa izvi zvinodhura zvishoma nezvisingabatsiri zvichienderana neurongwa chaihwo uye zviyero zvakabatanidzwa, uye dzimwe nguva zvinogona kuvhurwa nemari shoma shoma (kuti udzidze zvakawanda kuverenga Kuverengera Kuine $ 100 kana Kupfuura ).
Vaverengi vebhuku rangu rega vanoziva kuti mhuri yangu yakashandisa nzira iyi kudzidzisa mumwe wevana vangu vaduku pamusoro pesimba rekuponesa, kuisa mari, uye kuwedzera. Nokuva nemadhora makumi mashanu pamwedzi pakarepo achidzoka kuti atenge zvikamu zvake zveCots-Cola, akaendeswa madhora madhora gumi nematanhatu muhutano hwakafanana pamazuva ekuberekwa kwake 21 apo UTMA yake yapera. Iko mari yakanga isati yambosvibiswa. Hapana akambofunga nezvazvo nokuti yakanga isati yaonekwa. Purogiramu yaCokeke inotungamirira, Computershare, yakapinda kunotangira mwedzi uye yakabvisa kubva kuongororo yekuongorora sekunge iri yemari yekubhadhara mari. Pane imwe nguva akange akwegura zvakakwana, kunyange zvazvo takanga tatenga sengo pasina mutengesi , yakatamirwa mumari yake yekutengeserana kunze kweComputershare uye iye zvino agere muhofisi yake yepamusoro, imwe yezvikwereti zvakawanda zvaanazvo.
Imwe nzira yekushandisa kubhadhara iwe wekutanga nzira inenge iri kushandisa bhadharo yemari yebhadha pabhangi rako kuti ubhadhara zvakakwana "bhiridha" yako Roth IRA sokunge iwe uri kubhadhara mari yemvura kana kuti yako mari yako. Cheketi yaizoongororwa zvakananga pane imwe zuva yemwedzi uye yakatumirwa nebhangi chete, panzvimbo yekuenda kune zvinodhura, iwe unenge uine mubhadharo wakatumirwa kushizha rako rokutengeserana. Pane imwe nguva mutengesi akagamuchira cheki, iwe unozoona ichiratidzwa munhoroondo yako. Makambani akawanda ekutengeserana anopa mamwe magetsi ekubatanidza zvinhu, pamwe chete, kuitira kuti iwe uite kuti uwedzere kubva kuongororwa kwako kana kuti kuchengetedza kwekombiji pane kushandisa bhadha yebhadha yehutano asi migumisiro yakazara inoguma yave yakafanana kune vanhu vakawanda uye kumasangano akawanda .
Ichokwadi, kubudirira kwe 401 (k) chirongwa chinokonzerwa nekubhadhara iwe wekutanga nzira. Chimwe chezvinhu zvinonakidza uye zvakakurumbira zvidzidzo kubva kuhupfumi hwehutano hwakanga huri nehutano hwakasiyana-siyana hwekukwanisa kuwaniswa pakati pemarudzi akasiyana-siyana; dambudziko reupfumi kusagadzikana mushure mehupenyu hwakanga huri hukuru hwakakonzera vamwe kushamisika kana hurongwa hwechisarudzo hwakanga huri kutamba. Vanotsvakurudza vakaona kuti vashandi vemazuva emagetsi vakanga vasina kuunganidza zvinhu zvakafanana nevashandi vachena vangave kunyange kana dzidzo dzavo, mahara, uye zvimwe zvikomborero zvaiva zvose asi zvakafanana. Mushure mokunge vachipinda munharaunda uye vachitsvaka mhinduro, vakaiwana: simba rinonzi intergenerational transmission. Vashandi vemavanga vakanga vasina kukura zvakakura mumhuri dzepakati pevadzidzi nevadzidzisi vekoroji. Somugumisiro, chimwe chezvinhu zvekutanga zvavakaita pavakawana basa raienderera kune dhipatimendi reH HR pakukurudzirwa kwemhuri yavo uye nechisimiriro chema 401 (k), vachida kuva nechimwe chikamu chebhadhiro yavo yakachengetwa invest in in equity funds . Havana kumboona mari iyi. Somugumisiro, ivo havana kuedzwa kuti vashandise. Vashandi vemazuva ekutanga vatsva, kune rumwe rutivi, vakanga vasina munhu anovaudza izvi uye saka havana kungosiya kunze kwekubhadhara mutero uye kugoverana kwezvipo, asi vakatora zvakawanda zvebhadharo yavo nenzira yekushandiswa mari iyo, kamwechete yavo kutarisa kambani, yakava imwe nzvimbo inowanikwa mari nyore nyore. (Mhinduro yacho yakaguma ichinaka.Zvinoziva kuti imwe nzvimbo yehutsika yehupfumi yakanga yafumura vanhu vakanga vasingagoni kubva pane purogiramu kupfuura ivo vaifanira kupinda mairi nekuda kwekushaya mari, 401 (k) zvirongwa zvakachinjwa kuitira kuti vose Vashandi vatsva avo vakakodzera vakazotanga kuzvinyoresa.Zvino nguva shomanana, kusiyana kwemarudzi pakati pevashandi vakachena nevatema sezvo zvaiva ne 401 (k) pfuma yakatanga kuparara.Vaya venyu vanoda chaizvo kunzwisisa manzwiro emari zvivako zvinofanira kutarisa mairi sezvo iri mifananidzo yakasimba yekuti kuchinja kuduku kungaita sei pakuita zvakanaka, zviri nani, uye zvakaenzana kune vose nekuda kwekusimudzira ruzivo kutamba munda.)
Kuzvipa Iwe Nzira Yokutanga Yokuchengetedza Mari Inonyanya Kubudirira Kana Unowana Kukurudzira Kana Kubhadhara
Kune simba guru rinozivikanwa sechirevo chekuwedzera, kana mararamiro emararamiro, izvo zvinokonzera vamwe vanhu vakanaka kuti vaite zvisina hanya panyaya yemari. Zvinokonzerwa nokuti kupfuura pane imwe nzvimbo, varume nevakadzi vakawanda vanoyera mari mumitauro, kwete mazwi ; kuita chidimbu, asi nechokuita nguva pfupi kuverenga mukati mavo pamusoro pekushandisa kwavo pachavo uye mari yekuwana mukana. Kana iwe ukaita $ 40,000 pagore uye uri kugara pahotera yakanaka, iwe ungasave wakatsvaka kubhadharwa $ 28 pamakaka akaputika uye mbiriso kubva panzvimbo yebasa. Zvinoratidzika semarara akazara. Kana ukaita $ 500,000 pagore, iwe unogona kunge usingafungi nezvazvo. Pasinei nokuti tinozviziva kana kwete, vazhinji vedu tinokoshesa mari zvichibva pa 1.) iyo inotora nguva yakareba sei kuti tive nayo, uye 2.) zvakaoma sei kuwana.
Lifestyle inflation inobata zvishoma nezvishoma asi chokwadi. Icho chinyengeri ndechekuti, nguva iyo mari yako ichiyerera uye mari inowedzera, shandisa zvose zvezvemari kuti uzvipe iwe wekutanga nzira. Izvi zvinoreva, kana mari yako yaive $ 4,000 uye iwe ukawana kukwidzika kuitira kuti uwane $ 4 600, uwane $ 600 izvi zvakatorwa kuti uwane mari yako kana mari yako usati wamboona, zvichikusiya imwechete ye $ 4,000 mairi. Nokugadzira kushayikwa kwemaitiro, iwe uri kuvaka upfumi uye huwandu hwehupfumi hunogona kuva nechinangwa chekuita; mari iyo inogona rimwe zuva inokugezera iwe nezvikwereti, chido, uye zvikwereti . Iwe zvino une $ 7 200 inowedzera kukushandira iwe gore rega rega. Pasina nguva, simba rekugadzirisa rinogona kushanda magichi aro.
Mune mamwe mazwi, kubhadhara iwe kutanga ndechekugadzirwa kwekutenga mari . Ne cheki chega iwe unonyora, kubviswa kwega-rega kwawakabvisa kubva ku-akhawunti yako, uchifunga kuti iwe wakapa mari nekuchenjera, iwe unofamba uchida kusvika pakukwanisa kufara hupenyu hwako, kurarama apo, kupi, uye iwe unoda sei.
Tsvaga Zvimwe Zvangu Zvinyorwa Pamusoro Pokuchengetedza Mari
Kuti uwane mamwe mashoko pamusoro pekuti iwe unogona sei kutanga kuchengetedza mari, verenga Mufambiro Wese Wekutanga wekuchengetedza Mari , iyo ichakubatanidza iwe kune zvakawanda zvemashoko angu uye zvinyorwa pamusoro penyaya.